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        陈铁新Skip to content



        For each of our neighbors in California, the right life insurance will be unique and dependent on personal and financial needs. As your life changes, your life insurance coverage may need to change in order to adapt to your current needs. Some life transformations that may require a policy “tune-up” include:

        • You recently married or divorced
        • You have a new child or grandchild
        • You have opened or expanded a business
        • Your health or your spouse’s health has deteriorated
        • You are providing care or financial assistance to a parent
        • Your child or grandchild requires assistance or long-term care
        • You recently purchased a new home
        • You are planning for a child or grandchild’s education
        • You are concerned about retirement income
        • You have refinanced your home mortgage in the past six months
        • You or your spouse recently received an inheritance
        • You have a sizable estate


        Having the right life insurance is essential to planning for your present and your future. Not only can life insurance provide assurance for your family after you are gone, many life insurance options offer other benefits and investment opportunities you can take advantage of while you are living.

        陈铁新Life Insurance Death Benefit陈铁新 - When you pass away, your life insurance provides income (tax-free) to your named beneficiary or beneficiaries that can be used to pay funeral expenses, debt, tuition, estate taxes, or virtually any financial need. Your policy can help provide security for your business as well, by enabling partners to buy out the interests of a deceased partner and prevent a forced liquidation.

        陈铁新Living Benefits陈铁新 - The cash value growth of a permanent (whole) life insurance policy is tax-deferred, meaning you do not pay taxes on the growth of cash value, unless money is withdrawn. Loans or withdrawals can be taken against the cash value of a permanent life insurance policy to help with expenses, such as college tuition or the down payment on a home.

        The right life insurance coverage for each and every one of our customers in California is unique. Talk with the All Spectrum Insurance team today to find out how to protect your family and your future with the right life insurance.